Why choose Cash 4 You?
Cash 4 You is a leading retailer of financial services, including cheque cashing, payday loans and Western Union services. For over a decade, Cash 4 You has been focusing on serving consumers who seek an alternative to traditional banking relationships to gain convenient and immediate access to cash.
How do Payday Loans, Cash Advances and Payroll Advances work?
To get a Payday Loan (or Cash Advance) all you need to do is walk into any Cash 4 You store. There are no forms to complete! Our CSR’s do all the work! This easy in-store process only takes minutes. Once you’re approved, you get the money in hand. On your next payday, your payment is deposited to repay the amount you owe, or you can choose to repay your loan in cash or debit.
What do I need to apply for a payday loan?
All you need is to be employed, make at least $250 per net pay and at least 18 years of age and have an active bank account.
Does it matter if I have bad credit or no credit?
It does not matter if you have bad credit or no credit at all. Our payday loans are designed to help people in need of emergency credit, so we understand that you may have had credit troubles in the past.
Do I need collateral to apply for a payday loan?
No collateral is necessary or accepted.
Is there any cost to apply for the loan?
No. You will not be charged to apply for the payday loan, whether or not you are approved.
How much can I borrow?
You can borrow up to $1,500. Your first time loan amount will be determined after your approval.
When will I receive my loan?
Cash 4 You pays out your cash, instantly! Once you’re approved we’ll give you cold hard cash on-the-spot!
Will I need a fax machine to get pre-approved for my first payday loan?
No. Cash 4 You requires no faxing as a part of the online pre-approval process.
When do I have to repay the loan?
Your payday loan will be due on your next/earliest payday. You will be informed of the due date when your loan is approved. You may also have the option to pay off the loan early without any penalty.
How do I repay my loan?
Cash 4 You will deposit your repayment or you can come into our store and pay in cash or debit.
If I pay my loan early, how does that affect my finance charges?
Paying early will not reduce your finance charge or result in any penalty.
Is my personal information safe?
Why was I declined?
You may have not met the minimum payday loan requirements. If you require additional details, you can e-mail firstname.lastname@example.org.
How long will it take to get my loan approved?
Online applications submitted during business hours are approved within 60 minutes on average.
How long will it take to get money deposited into my account?
For your convenience, we offer three ways for you to get your money.
1. If you select Interac eTransfer®, you will receive your funds within 90 minutes after your access code has been received.
2. If you select Direct Deposit, you will receive your funds within 2 business days.
3. If you select In-Store pick up, you can visit any Cash 4 You location after you receive your approval.
How do I sign my loan documents?
If you applied online, you electronically sign your loan documents during the application process.
Can I repay my loan online?
We currently offer two options for you to repay your loan: cash or debit at any Cash 4 You location or an automated bank withdrawal. You have the option to select your repayment method during your online application.